consumer forums consumerforums Total Bank Charges Returned : £16595128 to 9717 people. The Consumer Forums  
Bank Charges Refunds Survey | 'Buddy' System | Get an email address | Site Map | Registration Problems | FAQ
CAG Products - We think that these will help you to make your claim or Reclaim your Right

These sales also help us to keep helping YOU and keeps this site free of third party adverts!

Small Claims Kit Small Claims Court Guide
**New Edition**
CallBurner - Skype
CallRecorder Review
Last Will & Testament Kit Fight a Motoring Ticket
 
Alternatively you could purchase a CAG email address here, or maybe you'd prefer our address labels here


UPDATE: Consumer Forums ConsumerWiki is now LIVE - click here: ConsumerWiki

N.B. Please note - due to postage costs these products are only available in the U.K.



Consumer Action Group envelope labels
You are part of a community of over 195,000 people.
Let your bank know that you won't give in.
Display one of our labels on your envelopes.
Full description here
Sheet of 20 self-adhesive envelope labels
£3.50 inc p&p





Reclaim the Right!
The Lawpack Small Claims Kit contains everything you need to get your bank charges refund. Sample forms, Instruction manual, template forms and an entire set of court forms in .PDF format on CDRom.

Just type in the details of your claim and print them out.


Reclaim the Right!


Sue your bank as often as you like with one Lawpack!!

With a Lawpack and Patricia Pearl’s book on Small Claims, you have everything you need to get your unfair bank charges refunded or assert other consumer rights.
(England & Wales only)

CAG Forum Users Price £11.99
(click image to buy)
Plus £1 P&P



Reclaim the Right!


New Edition
Small Claims Procedure by Judge Patricia Pearl
An excellent guide for the layperson
Not for use in Scotland
Read BF's Review Here




Stand up to Telephone Harassment

If you use Skype -
Record your phone calls with CallBurner
It's Hot!

Click below to download your
14 day trial copy
CallBurner
Skype CallRecorder download


Read the
Explanation and review here
£31.96 - includes 20% CAG discount
(normally £39.95)

We've managed to negotiate a discount for CAG Users on DIY 'Willpacks'


Click on the image to purchase a Wills kit - £12.99 + £1.00 pp

Remember...you can't take your reclaimed bank charges with you ;-)



Do your Internet search here



Reclaim the Right Ltd. - reg.05783665 in the UK
reg. office:- 923 Finchley Road London NW11 7PE
Do your Internet search here:-

  CAG Announcements
 
Welcome Guest
Please register
Registration is free
There are no charges for using any of the facilities of this website.
If this is your first visit, be sure to check out the FAQ. You will have to register before you can post. To start viewing messages, select the forum that you want to visit from the selection below.
You will also have to register to access our template letters and claims forms
registration is free
Are you being threatened over debts more than 6 years old?
This may be unfair
See our new Unfair Trading Guide
Bought an extended warranty?
Not satisfied?
The warranty may be an example of unfair trading
See our new Unfair Trading Guide
Have you been defaulted?
Would you like to clean up your credit file?
Check it out
Are you a victim of unfair trading?
Check it out
The Consumer Protection from Unfair Trading Regs 2008
Have you been defaulted?
Would you like to clean up your credit file?
Check it out
 
Bank Action Group Debt Action Group
 

Go Back   The Consumer Forums > The Consumer Forums
The Consumer Action Group
> Telecoms - mobile or fixed


Welcome to The Consumer Action Group

and
The Bank Action Group


Before beginning to claim your bank charges be sure to read the FAQ by clicking the link above. Read it carefully and also read as much of the forum material as you can manage before you start claiming your bank charges refund. You will have to register before you can post or view the materials which may assist you in reclaiming your penalty charges: click the register link above to proceed. To start viewing messages, select the forum that you want to visit from the selection below. Understand what you are doing and you will be able to Reclaim the Right more effectively.

Why don't you come and introduce yourself in the Welcome section at the top of the forum. Then have a look around the rest of it.
Do not post or start claiming until you have read the entire FAQ section and step by step guides and you have a good basic idea of what to do and of the layout of the forum.
Good luck claiming your bank charges.
We strongly suggest that you register under a UserID and not your own name

Reply
 
LinkBack Thread Tools
Old 11th May 2007, 23:57   #1 (permalink)
::Lisa::
Basic Account Customer
Default "C.A.R.S on behalf of Tiscali - Debt not even owed!! Help pls"

Hi all,

Up until April 8th I was on Tiscali for my telephone and Broadband service. To cut a very long story short....

I signed up Tiscali Sept last year with a 1 year contract. Broadband speeds were poor (lower than dial up speeds a lot of the time) and disconnected off the internet every 2-5 mins (yes, no joke!) I was constantly on the phone with their tech support. Most of the time they told me they was sending 8meg down the line and everything was fine.

Eventually filed a fault. Never fixed it in the few months. Promised me my money back when it gets fixed for payment of services.

I finally gave up and decided I did not want to be with this company even if they could get it fixed and demanded that I leave, which was granted since they hadn't fixed the problems within their ToS agreement time.

Heard nothing ever since. Today get a letter through the post with a red huge font REMINDER

Apparantly I owe them £13.62. Do I shoot them a letter to their address on the letter I received?

Thanks,
Lisa
__________________

NatWest:
23/4/07 - Requested statements NatWest
10/5/07 - Received 1st set of statements
12/5/07 - Remaining statements arrived. Proceeding NatWest claim for £2,235.14
14/5/07 - Pre-lim letter sent
01/6/07 - LBA letter sent
22/6/07 - Filed money claim at court! *gasp*
27/7/07 - Received official defence and bully cr*p!

LTSB:
23/4/07 - Requested statements LTSB
31/5/07 - List of charges received. Proceeding LTSB claim for £1,407.50
01/6/07 - Pre-lim letter sent.
09/6/07 - Received a 'bugger off' letter.
21/6/07 - LBA letter sent.
::Lisa:: is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 12th May 2007, 17:23   #2 (permalink)
buzby
Platinum Account Customer
 
buzby's Avatar
Default Re: Tiscali

Depends. Who sent the letter? If a DCA reply saying the contract ended due to their clients inability to provide service under their T&C. If Tiscali, reject it stating the same.
buzby is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 15th May 2007, 13:27   #3 (permalink)
::Lisa::
Basic Account Customer
Default Re: Tiscali

Quote:
Originally Posted by buzby View Post
Depends. Who sent the letter? If a DCA reply saying the contract ended due to their clients inability to provide service under their T&C. If Tiscali, reject it stating the same.
It's a computer generated reply sent by Tiscali.

Tiscali header and footer on letter including address etc. It has a big red "REMINDER" on it, even though this is the first correspondence I received from them!!

I also forgot to mention that I complained to them when I had their service and a lady replied via email stating that they had credited my account with £20. They hadn't and if this had been the case I wouldn't owe them anything that month.

If they were going to refund me for their poor service as they stated I should also be in credit and they owe me money, not me owing them!

Shall I shoot a letter off saying that? Anything I can quote from the law in this matter?

Sorry for my delay in responding, I hadn't subscribed to my thread *blush*
::Lisa:: is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 15th May 2007, 13:36   #4 (permalink)
buzby
Platinum Account Customer
 
buzby's Avatar
Default Re: Tiscali

Seems pretty standard - just respond to them pointing out the lack of agreed refund and let them sort it out. (provide date time of the call or copy email if you have one)
buzby is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 25th August 2007, 14:07   #5 (permalink)
::Lisa::
Basic Account Customer
Default Re: Tiscali

Well I never had a chance to write to them and they referred me to a debt collection agency (C.A.R.S) for the £18 I then wrote to them stating a dispute on the costs and explained that no payments will be made etc. Said I have evidence of the fact they owe ME money not vice versa.

Fast forward to today. They've ignored my letter and said that someone is going to come out this upcoming Thurs for some reason. I guess to try and collect the funds. Won't be opening the door to them though.

Also, not sure why someone has moved my topic to a 'wrong' area. This needs to be moved to the debt collection agency forum.
::Lisa:: is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 25th August 2007, 14:32   #6 (permalink)
buzby
Platinum Account Customer
 
buzby's Avatar
Default Re: Tiscali

It's better with BB as they are primarily an ISP and your problems would be spotted easier by other Tiscali customers (than buried away in the debt forum!).

If they do call, don't hide behind the door - if you can speak through an open window. And if you can record the exchange with an audio or video camera, even better. Once you explain that there is no debt, and CARS have not responses to your letter of XX/XX/XX give a copy of it to the caller and suggest is wasted journey could have been saved if they had responded.
__________________
- Raymond
buzby is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 25th August 2007, 14:40   #7 (permalink)
tomterm8
Platinum Account Customer
 
tomterm8's Avatar
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Apr 2007
Posts: 5,177
tomterm8 Authoritativetomterm8 Authoritativetomterm8 Authoritativetomterm8 Authoritativetomterm8 Authoritativetomterm8 Authoritativetomterm8 Authoritativetomterm8 Authoritativetomterm8 Authoritativetomterm8 Authoritativetomterm8 Authoritative
Default Re: Tiscali

Quote:
Originally Posted by buzby View Post
It's better with BB as they are primarily an ISP and your problems would be spotted easier by other Tiscali customers (than buried away in the debt forum!).

If they do call, don't hide behind the door - if you can speak through an open window. And if you can record the exchange with an audio or video camera, even better. Once you explain that there is no debt, and CARS have not responses to your letter of XX/XX/XX give a copy of it to the caller and suggest is wasted journey could have been saved if they had responded.
They won't call. it's just a scare tactic.
tomterm8 is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 25th August 2007, 15:56   #8 (permalink)
Percival Wigglesbottom
Classic Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Jul 2007
Posts: 183
Percival Wigglesbottom Novitiate
Default Re: "C.A.R.S on behalf of Tiscali - Debt not even owed!! Help pls"

Tiscali are awful. The internet is awash with horror stories about their services, customer support and difficulty in getting out of your contract with them. Id be tempted to drag this visitor in by the ear point him to the BT socket and say 'you sort it out'.

Joking thou, dont let him in.
Percival Wigglesbottom is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 25th August 2007, 15:57   #9 (permalink)
livelylad
Site Team
 
livelylad's Avatar
Default Re: "C.A.R.S on behalf of Tiscali - Debt not even owed!! Help pls"

Thread moved and title changed.
__________________





I am not a legal expert my advice is given without prejudice and is purely my opinion only. If you are in doubt please seek professional advice.
livelylad is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 25th August 2007, 17:46   #10 (permalink)
buzby
Platinum Account Customer
 
buzby's Avatar
Default Re: Tiscali

Quote:
Originally Posted by tomterm8 View Post
They won't call. it's just a scare tactic.
Don't see how you can say that. They have a network of self-employed agents who do this very task. Better to be prepared in case they do, than hide behind the door in case they don't.
buzby is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 25th August 2007, 17:53   #11 (permalink)
mrmarmite
Platinum Account Customer
 
mrmarmite's Avatar
Default Re: "C.A.R.S on behalf of Tiscali - Debt not even owed!! Help pls"

better still, do thay have an appointment? no, you have the legal right to use minimum force to remove them.
just threaten u will call the cops as they trespassing
mrmarmite is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 25th August 2007, 18:00   #12 (permalink)
buzby
Platinum Account Customer
 
buzby's Avatar
Default Re: "C.A.R.S on behalf of Tiscali - Debt not even owed!! Help pls"

You do not need an appointment to visit anyone's address, neither would it be tresspasing if they had a legitimate reason to call. As for calling the cops, you'll find they will be far from sympathetic if you expect them to remove callers you don't want from your doorstep. If they invited themselves in, that might be a different matter but this isn't the issue.
buzby is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 25th August 2007, 18:01   #13 (permalink)
rory32
Platinum Account Customer
 
rory32's Avatar
Default Re: "C.A.R.S on behalf of Tiscali - Debt not even owed!! Help pls"

99.9% of the time DCA's do not call at people's houses. I can hardly imagine them rushing round for the princely sum of £18.

If they were to call, ask them politely to leave. If they don't leave phone the police and inform them that someone is trespassing on your property. Remember these people have no more legal rights than the average bloke in the street.

If you are concerned about their threats of sending someone round to your house, then you may wish to send them the following:

Dear Sirs,

Please be advised that I am only prepared to communicate with you in writing. OFT rules and regulations clearly state that you can only visit me at my home if you make an appointment and I have no wish to make an appointment with you. There is only an implied license under English Common Law for people to be able to visit me on my property without express permission; the postman and people asking for directions etc (Armstrong v. Sheppard and Short Ltd [1959] 2 Q.B. per Lord Evershed M.R.).

Therefore take note that I revoke license under Common Law for you, or your representatives, to visit me at my property and if you persist in sending “doorstep callers” to my home, you will be reported for harassment and be liable for damages for a tort of trespass. You would also be liable for conspiring in a tort of trespass by acting in defiance of my instructions and sending someone to visit me nevertheless.

Should it be necessary, I will obtain an injunction.

Yours sincerely,
rory32 is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 25th August 2007, 18:02   #14 (permalink)
tomterm8
Platinum Account Customer
 
tomterm8's Avatar
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Apr 2007
Posts: 5,177
tomterm8 Authoritativetomterm8 Authoritativetomterm8 Authoritativetomterm8 Authoritativetomterm8 Authoritativetomterm8 Authoritativetomterm8 Authoritativetomterm8 Authoritativetomterm8 Authoritativetomterm8 Authoritativetomterm8 Authoritative
Default Re: Tiscali

Quote:
Originally Posted by buzby View Post
Don't see how you can say that. They have a network of self-employed agents who do this very task. Better to be prepared in case they do, than hide behind the door in case they don't.
If their business is like most businesses, they have an opportunity cost (rather than running cost) of at least £70 an hour. To get to you for a 10 minute meeting, probably requires another 15 minutes of travel, so would cost them somewhere in the order of £30. This would be unrecoverable.

The debt is £13.

They tend to send you a letter, hand delivered (by the postman) that tries to pretend they've called.

Even if they do call, all you have to do is tell them to leave three times, then call the police. They are commiting the tort of tresspass. you have no obligation to speak to them.

They are entitled to visit your property, but not to stay on it if you order them to leave.
__________________
i will be off site for the next month or so. if you have any problems, feel free to report the post so a moderator can help you.

I am not a qualified or practicing lawyer.
tomterm8 is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 29th August 2007, 17:58   #15 (permalink)
::Lisa::
Basic Account Customer
Default Re: "C.A.R.S on behalf of Tiscali - Debt not even owed!! Help pls"

Wow this thread moved on since I last visited

I refuse to deal with them and their little chumps that call around (if they do) the only thing I will be saying to anyone IF they do turn up is that they've failed to read and respond to my letter, that I don't owe the debt and have a whole lot of evidence (25 emails in fact) of that and if they continue to follow this up then I will follows the steps given above (thank you )
::Lisa:: is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Reply



Thread Tools